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Guys.. this guy wants a merchant account it seems, not a credit card processor that rapes you from behind for taking charges from people you semi-trust (i.e. chargebacks are not an issue)
15% is astronomically high. I do hosting, and that's well more than my margin! I'd be losing money.
I don't see why you have to say you're an "adult" company, as long as you're not selling memberships and such. If you're a photographer, say that. If you do design work, say that. If your local bank is on a morality trip, check out any national bank. Expect to pay a bit in setup costs, and perhaps a deposit if your credit is not the greatest. The good part is that it's only about 1.5-3.5% depending on volume (plus a $50/mo charge or so).
Wells Fargo may be a good place to start.
-Phil
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